Cross strong insurance and road traffic safety information sharing mechanism -- the "motor vehicle traffic accident liability compulsory insurance regulations understanding

The ninth section cross strong insurance and road traffic safety information sharing mechanism
Ninth CIRC, public security departments of the State Council, the State Council in charge of agriculture and other departments concerned shall gradually establish the sharing mechanism of information related to motor vehicle traffic accident liability compulsory insurance, illegal act of road traffic safety and road traffic accidents.
One, overview
Both CIRC rate principle approval insurance does not profit, no loss in accordance with the general requirements of the insurance company or in accordance with the "Jiangyoufalie" floating rate, smooth information platform is the technology guarantee the final. The China Insurance Regulatory Commission, the public security traffic, agriculture administrative department and other relevant departments is the record of vehicle driving safety and accident record the main source of information, so they build cross strong insurance information sharing mechanism, can increase the work efficiency of each other, to better serve the motor vehicle management and supervision. This is one of the key problems of how to establish the mechanism of information sharing system, significance. This Ordinance in the relevant functional departments, which is mandatory.
Compared with the commercial third party liability insurance, moral hazard cross strong insurance are more likely to induce the insurer and the insured. Insurance to pay strong emphasis on accident victim protection, the responsibility is far greater than the current commercial third party liability insurance. In the implementation of the categories of countries and regions, the moral risk compulsory insurance are relatively high. Therefore, in order to prevent the moral hazard, protect the smooth implementation of compulsory insurance system, countries should share mechanism through the establishment of the traffic control department, medical institutions, insurance company, the insurance people get traffic, motor vehicle insurance, medical expenses and other aspects of the data and information, improve underwriting and claims the quality, reduce the moral risk process the performance of insurance contract.
Two, information sharing mechanism
(a) functions
This rule fourth stipulation: "the insurance supervision and Administration Department of the State Council (hereinafter referred to as the CIRC) in accordance with the motor vehicle traffic accident liability compulsory insurance business of insurance company supervision and management. The traffic department of agricultural management, public security organs (agricultural machinery) departments (hereinafter referred to as the vehicle management department) shall conduct supervision and inspection on the vehicle to participate in the compulsory motor vehicle traffic accident liability insurance situation. The motor did not participate in the compulsory motor vehicle traffic accident liability insurance, motor vehicle management departments shall not register, the motor vehicle safety and technical inspection agency shall not be tested. Traffic management departments of public security organs and the traffic police in the investigation and handling of violations of the law on road traffic safety and road traffic accident, it shall check the motor vehicle traffic accident liability compulsory insurance mark."
The China Insurance Regulatory Commission as regulators of the insurance industry, insurance and payment record to master a large number of vehicles, this information helps the competent agricultural department of the public security authorities, key grasp illegal accident group and vehicle, timely for supervision and management of the. And the public security departments and agricultural departments in charge of the registration of vehicles, traffic and traffic accident identification standard recording, illegal and experience, it is the China Insurance Regulatory Commission to determine the cross strong insurance clauses and premium rates for the most important basis.
The public security department under the State Council in charge of road traffic safety is the traffic police department, they grasp the motor vehicle registration and illegal, traffic accident record. The competent department of agriculture is responsible for agricultural motor vehicle registration and agricultural statistics. Department of transportation department, the army in charge of motor vehicles and motor vehicle road record registration, an important source of information. Therefore, to strengthen the sharing of information between them, is to achieve information sharing, reduce administrative cost, strengthen the important means of motor vehicle safety supervision.
Before these regulations, relevant government departments in China are in their duties within the scope of the information sharing system, but the administrative regulations do not clearly defined information sharing mechanism is the compulsory duty of these departments, therefore is not perfect. In October 22, 2003 the State Council approved the Ministry of public security on agreed to establish the national road traffic safety work of the inter ministerial joint conference system for instructions, agreed to by the Ministry of public security and lead the establishment of the inter ministerial joint conference, strengthen the exchange of information on road traffic safety.
The joint meeting under the leadership of the State Council, the national road traffic safety situation, research and policy analysis on road traffic safety situation, the establishment of long-term, strategic planning; coordination of the work of road traffic safety of the road traffic safety, the deployment of the work, the work of road traffic safety guidance and supervision of the provinces, autonomous regions, municipalities directly under the Central People's government and the functional departments; to coordinate and solve the problem of traffic safety relates to the relevant departments, to promote coordination and cooperation department, realize information sharing, the establishment of long-term mechanism, prevent and reduce road traffic accidents, comprehensively promote the work of road traffic safety. Joint meeting of the member units of the Ministry of public security, the Central Propaganda Department has, the development and Reform Commission, Ministry of supervision, the Ministry of construction, Ministry of transport, Ministry of agriculture, Ministry of health, the State Administration for Industry and commerce, quality inspection bureau, Safety Supervision Bureau, office of legislative affairs, the China Insurance Regulatory Commission, the General Logistics Department of armed police forces, a total of 15 departments and units. The Ministry of public security for the joint meeting of the lead unit, joint conference by the public security section tube served as vice minister, the joint meeting of members of the relevant departments and units responsible for the comrades. The joint meeting to convene an annual meeting. The conference by Vice Minister of public security section tube called. According to the leading comrades of the State Council working group proposed instructions, liaison to the joint meeting recommendations or need to work, may be convened the meeting. The joint meeting to meeting minutes, in the form of a clear meeting agreed matters, by the unit agreement issued after the relevant units and report to the state council. The members of the unit shall be responsible for the division of labor according to the functions of the Department,, implement.
(two) practice over the city of Beijing has officially started in October 23, 2003 designed to facilitate group
The insurance claims, improve the Public Security Bureau of Beijing City, motor vehicle stolen rob case management level of "public security traffic -- insurance -- interactive information platform" management system. The establishment of the new system erects a Easy Access between the public security organs, the insurance company, Department of transportation, the Quartet, to provide fast, timely information sharing and online business processing mode. Through this system, can greatly simplify the handling stolen, robbed of motor vehicle insurance claims process and transfer procedures. No investigation results in the victim after period of time, can be directly to the insurance company for compensation; cancel road maintenance work to solve by the highway authority over the Internet, without the victim to highway bureau. For the sale of your stolen, robbed motor vehicles, the victim not to the public security organs for various procedures, directly to the market for used cars transfer procedures.
Shanghai City, the opening of the "Shanghai City motor vehicle joint information platform" since April 1, 2004, approved by the CIRC and the uniform implementation of the "Shanghai City motor vehicle third party liability insurance clauses and premium", features, the insured and the insurance company can query the vehicle insurance amount, traffic violation number, claim number and other relevant information. Information platform data mainly from the public security departments and Insurance Association of Shanghai city and the insurance company database. United Information Platform in addition to give full play to the insurance function of social management, and has accumulated a large amount of data for the three party insurance ratemaking, cooperative management city insurance companies and government agencies, to achieve "good example of mutual win". But the motor vehicle third party liability insurance premium and insurance accidents and traffic violations recorded hook system is only a means, the key is to establish "Paidu Paul Cheong" a long-term management mechanism, improve the social awareness of traffic safety, reduce traffic accidents, safeguard the vital interests of the people of Shanghai. Since April 1, 2004, the implementation of the Shanghai area alone, applicable to motor vehicle third party liability insurance clause and premium rate, the serious violations, traffic illegal cumulative frequency cumulative amount, insurance and insurance claims, column elements into a floating rate of the. The main contents are as follows: (1) where 7 serious traffic illegal behavior in the past year, the renewal premium must go up, and each kind of traffic offences stipulated ranging from the floating range. These serious traffic violations are: drunk driving, each rise 25%; violation of traffic signal indication, each 20% of the float; the reverse traffic, each rise 20%; speeding, each rise 20%; driving without a license, each rise 20%; vehicle safety device does not meet the requirements, each rise 15%; illegal overloading each float, 15%. (2) where various types of traffic violations in the past year (including the serious illegal) over more than 10 times, the renewal premiums must be floating, floating rate for a fixed premium 15%. The applicant has the above two cases of floating rates go up at the same time, the proportion of the accumulation, but not exceeding the maximum fixed premium 70%. (3) in the past year due to traffic accident by insurance companies to pay compensation and reached a certain standard, the renewal premium must rise. The amount of compensation has reached 700% to 2000% fixed premium (including), premium rise 10%; up to 2000% to 3000% (inclusive), rates go up 15%; to achieve 3000% above, the rate rise 20%. (4) in the past year due to traffic accident claim to the insurance company for more than 3 times (not including 3), the renewal premiums rise 10%. Due to the insurance indemnity insurance rates go up, adjust the maximum limit of 30%. Incentive measures are mainly: no traffic violations over the past year, the renewal of fixed premium downward float of 10%; no insurance claims over the past year, the renewal of fixed premium downward float of 10%; the next year to continue without insurance, increase 10% downward float to float downward, most no more than 30% past a fixed premium; years, although had traffic violations or claims in insurance, but not enough to affect the renewal rates go up, according to a fixed premium payment, do not enjoy preferential rates.
Guangdong Province since November 30, 2004 officially started the traffic safety information sharing system. System in Guangdong Province public security, traffic departments and Insurance Regulatory Bureau and other units of information sharing, the car insurance, traffic safety management aspects of the "car with", formation of province and city, county three class supervision mechanism, is a new attempt in Guangdong Province e-government construction. Guangdong province traffic safety information sharing system led by the Provincial Information Industry Department, Guangdong Provincial Department of public security, traffic department, Guangdong Bureau, Guangdong provincial insurance association and 12 property insurance companies to participate in the information center of Guangdong Province, by using P2P technology and South China University of Technology jointly developed, choose "the centralized control, distributed processing" management structure. The main function of this system is embodied in three aspects: sharing with the insurance industry information, traffic police available networking information inspection vehicle to buy third, by comparing the data plug up loopholes in management; transportation management department also can understand the driver and vehicle traffic accidents and illegal information, prompt drivers to enhance safety awareness; in addition, the insurance industry according to the traffic and transportation sector can provide the vehicle and driver traffic safety record, the establishment of insurance premium and the illegal traffic, traffic accident hook mechanism, and prevent the crime of insurance fraud.
In addition, other regions in different forms and establishes the traffic safety information sharing mechanism. Establishment and implementation of the regulations will promote the national information sharing mechanism. It will establish a mechanism for the relevant functional departments of the responsibility to the provisions, help to speed up the establishment of China's traffic safety comprehensive information sharing mechanism, so as to provide scientific basis for determining the cross strong insurance rates and terms.
Zhang Xinbao